Oficina das Finanças Ltda

What Oficina das Finanças Ltda does

Oficina das Finanças Ltda is a privately held Brazilian behavioral financial education company founded in 2008 and headquartered in Brasília. The company develops and licenses curricula, textbooks, games, and digital platforms built around its proprietary Engenhoca® methodology and the 6Gs Method (Gerar, Gastar, Guardar, Ganhar, Gerir, Gratidão), which translates financial concepts into behavior-change frameworks for children, youth, families, and corporate employees.

The core product surface is the Programa Oficina das Finanças na Escola, a K-12 program spanning Educação Infantil through Ensino Médio, distributed nationally through educational publisher FTD Educação. The program includes a 9-volume textbook collection, the Engenhoca 2D book-game for high school, a digital pedagogical platform (Nova Plataforma), teacher training with WhatsApp-based support, family engagement channels, and longitudinal academic monitoring by Laboratório de Psicologia Social da Universidade de Brasília (LPS/UnB) and PUC Paraná. Beyond schools, the company operates two additional revenue lines: (i) Oficina Dinheiro SEMPRE, an online financial consulting subscription for individuals, and (ii) Minha Sustentabilidade Financeira, an enterprise corporate-wellness program deployed at scale with Porto Seguro and tracked via academic measurement. An innovation layer is the LIFT-recognized Meu Primeiro Cartão, an AI-monitored debit card linked to investments for children aged 10+.

Revenue is generated through annual school program subscriptions distributed via FTD Educação, multi-year corporate training contracts, one-time complementary book and e-book sales, and digital platform subscriptions. The company is founder-owned (Carolina Ligocki and Leonardo Silva), privately funded (no disclosed VC/PE rounds), and operates exclusively in Brazil with a 21-person team. Reach metrics cited by the company include 580,000+ students impacted, 1,200+ schools, 12,000+ trained teachers, and presence in 22 of Brazil's 26 states, with regulatory tailwinds from 72+ federal/state laws and BNCC guidelines mandating financial education.

Name

Oficina das Finanças Ltda

Legal name

Oficina das Finanças Ltda

Website

https://oficinadasfinancas.com.br

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Oficina das Finanças Ltda is a Brazilian behavioral financial education company founded in 2008, offering K-12 curricula, corporate wellness programs, and individual consulting services built on its proprietary Engenhoca® and 6Gs methodologies, serving schools, families, and corporate employees across Brazil.

Ownership category

akta.pro rank

Product category

Financial Education Services

NAICS

Educational Support Services (61171)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Personal Finance & Financial Literacy for Students (EDAMAIAH)

akta.pro secondary industries

Financial Planning Tools & Financial Coaching (Goal Setting, Apps, Advisors) (EDAAAJAN), Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK), Financial Coaching & Budgeting Advisory (FSAEAAAH), Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

Keywords

• Behavioral financial education
• School financial curriculum
• Corporate financial wellness
• Financial education platform
• Financial education textbooks

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Educational Book Sales: Sale of behavioral financial education textbooks and storybooks for schools through FTD Educação distribution channel, covering Education Infantil through Ensino Médio levels.
2. School Program Licensing: Comprehensive behavioral financial education program licensing to schools including textbooks, digital platform access, teacher training, ongoing support, and pedagogical materials.
3. Corporate Training Programs: Minha Sustentabilidade Financeira program delivered to corporate employees including online workshops, group sessions, personalized consultancy, and behavioral assessments over extended program periods.
4. Digital Platform Subscription: Access to online financial consultancy platform Oficina Dinheiro SEMPRE offering personalized financial behavior guidance, assessments, and planning tools.
5. Supplementary Books: Sale of complementary financial education books for families covering practical activities and behavioral approaches for children and youth.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Oficina das Finanças delivers a comprehensive Behavioral Financial Education ecosystem anchored on its proprietary 6Gs Method (Gerar, Gastar, Guardar, Ganhar, Gerir, Gratidão). Core offerings include the Programa Oficina das Finanças na Escola covering Educação Infantil through Ensino Médio, a corporate financial wellness program (Minha Sustentabilidade Financeira), complementary storybooks for families, an AI-powered Meu Primeiro Cartão project, and online consultancy (Oficina Dinheiro SEMPRE). The full delivery combines textbooks, pedagogical games, digital platforms, teacher training, family engagement, and ongoing academic research-backed behavioral monitoring.

Product overview

Oficina das Finanças offers a comprehensive Behavioral Financial Education ecosystem centered around the 'Programa Oficina das Finanças na Escola' for schools, covering Early Childhood Education through High School. The product portfolio includes: the Coleção Oficina das Finanças na Escola (textbook collection, Volumes 1-9) for different educational levels; the Engenhoca 2D book-game for High School; the Plataforma Pedagógica Digital for educator support; the Nova Plataforma for schools management; the Oficina Dinheiro SEMPRE online financial consulting service for individuals and corporates; the Projeto LIFT - Meu Primeiro Cartão financial citizenship project with AI-powered behavioral monitoring; and complementary storybooks including 'De Pouquinho em Pouquinho', 'O que faz seu coração cantar', and 'Achado Não é Roubado?' The company also offers the corporate 'Programa Minha Sustentabilidade Financeira' and traveling 'Engenhoca Itinerante' for events. All offerings use the proprietary 'Método dos 6Gs' (Generate, Spend, Save, Earn, Manage, Gratitude) developed with behavioral science insights and validated through academic research partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Engenhoca®: Materialização do fluxo de dinheiro com Método dos 6Gs para ter dinheiro SEMPRE, com Educação Financeira Comportamental
• Oficina Dinheiro SEMPRE
• Programa Oficina das Finanças na Escola
• Meu primeiro cartão
• Minha Sustentabilidade Financeira
• Engenhoca® Itinerante

Products and services

• Programa Oficina das Finanças na Escola Comprehensive Behavioral Financial Education program for schools from Educação Infantil through Ensino Médio, including textbooks, pedagogical games, digital platform access, teacher training, ongoing WhatsApp support, and family engagement resources. Delivered annually to schools via FTD Educação distribution channel with consultant-led implementation.
• Coleção Oficina das Finanças na Escola (Volumes 1-9) Textbook collection teaching financial behaviors through the 6Gs method (Gerar, Gastar, Guardar, Ganhar, Gerir, Gratidão), structured across Educação Infantil, Anos Iniciais, Anos Finais, and Ensino Médio levels.
• Plataforma Pedagógica Digital (Nova Plataforma) Online pedagogical platform providing educators with resources, activities, training materials, and progress tracking for implementing behavioral financial education programs in schools.
• Oficina Dinheiro SEMPRE Online financial consulting service providing personalized behavioral financial guidance for individuals and organizations, helping participants reflect on habits, map financial scenarios, and develop sustainable financial behaviors through customized content based on participant profiles and behavioral assessments.
• Engenhoca 2D Book-game for financial sustainability education in Ensino Médio, using the 6Gs Method to teach responsible, ethical, and sustainable money management through hands-on projects.
• Engenhoca Itinerante Traveling version of the Engenhoca educational game for events and practical activities, bringing behavioral financial education experiences to schools, corporate events, and public locations.
• Programa Minha Sustentabilidade Financeira Corporate financial education program applied to companies, offering behavioral financial education for employees with measurable outcomes including improvements in financial self-efficacy, financial self-control, saving behaviors, passive income generation, and reductions in financial discomfort. Delivered through online workshops, group sessions, personalized consultancy, and behavioral measurements.
• Projeto LIFT - Meu Primeiro Cartão Financial citizenship project featuring a debit card linked to investments for children aged 10+, allowing practical use of money with family monitoring and AI-powered behavioral guidance; the system accumulates behavioral data over time to provide personalized suggestions, encouragement, and alerts.
• Descobertas do Dindim Children's book series featuring the Dindim character learning about money and financial behaviors through engaging stories.
• Livro: De Pouquinho em Pouquinho, se faz Muitão Storybook teaching children about patience and gradual saving through the adventures of character Rebeca learning from the João-de-Barro bird.
• Livro: O que faz seu coração cantar? Storybook exploring indigenous culture and financial values through the character Naná, teaching children about cultural diversity and personal contributions.
• Livros Complementares - Sustentabilidade Financeira Complementary books on financial sustainability available in versions for children (Anos Iniciais) and youth (Anos Finais), providing practical activities for schools and families.

Quantifiable outcome

• Reduction in financial discomfort (stress, family conflicts, anxiety, pressure, deprivations) among corporate program participants
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• Laboratório de Psicologia Social da Universidade de Brasília (LPS/UnB)coreStrategic or Co-development Partner · 1 July 2016Academic research partnership with Professor Dr. Fabio Iglesias coordinating behavioral research since 2014. Conducts longitudinal studies measuring program impact on financial behaviors, self-efficacy, self-control, and well-being outcomes.
• FTD EducaçãocoreChannel Partner/ Reseller/ DistributorNational educational publisher serving as primary distribution channel for Oficina das Finanças school program materials. FTD has offices throughout Brazil, enabling schools nationwide to access and implement the behavioral financial education curriculum from Educação Infantil through Ensino Médio.
• Porto SeguroflagshipStrategic or Co-development PartnerMajor corporate partner for Minha Sustentabilidade Financeira program, the flagship corporate behavioral financial education initiative. Over 1,000 employees participated in the 18-month program with measurable behavioral improvements validated by academic research.
• Banco Central do Brasil and FenasbaccoreStrategic or Co-development PartnerPartnership through LIFT (Laboratório de Inovação Financeira e Tecnológica) innovation program. Meu Primeiro Cartão project was finalist in 2019 and 2021 editions, featured in Central Bank electronic publication.
• PUC ParanácoreStrategic or Co-development PartnerAcademic partnership for research validation of behavioral financial education methodologies, supplementing the primary research partnership with Universidade de Brasília.
• Sebrae PrevidênciaminorGTM or Marketing PartnerPartner in Semana ENEF 2026 community initiative, providing free access to financial education consultancy to employees during National Financial Education Week.
• Memora Ayo GroupminorGTM or Marketing PartnerPartner in Semana ENEF 2026 community initiative, participating in free financial education consultancy access program.
• Oliver WymanminorOthersInternational management consulting firm that recognized Oficina das Finanças in 2013 international benchmark study on financial education best practices, recommending the methodology globally.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Moneythink: US-based nonprofit bringing financial education to high school students via mentorship and digital tools. Comparable to Oficina das Finanças in targeting K-12 students with a behaviorally-grounded financial capability model and teacher/school channel partnerships.
• Mind + Money / Praxis Educação Financeira: Brazilian education company offering financial and entrepreneurial literacy programs for schools and youth. Comparable to Oficina das Finanças in the Brazilian K-12 financial education space, though with a smaller footprint and emerging market position.
• Current: US mobile banking platform with a teen sub-account offering spending insights and parental controls. Overlaps with the youth financial product direction of Meu Primeiro Cartão, particularly in linking payment instruments with parental oversight and behavioral monitoring.

Direct peers

• Junior Achievement: Global nonprofit delivering youth financial education, work readiness, and entrepreneurship programs in K-12 schools. Comparable to Oficina das Finanças in target learner (students from Educação Infantil through Ensino Médio) and behaviorally-grounded pedagogy, though operating via volunteer delivery rather than textbooks.
• DSOP: Brazilian financial education company that delivers K-12 financial literacy programs through schools and corporate channels. Highly comparable to Oficina das Finanças as it operates in the same Brazilian school financial education niche with national distribution and a behavioral education methodology.
• Zogo Finance: US fintech that gamifies financial education for students through a mobile app with rewards. Comparable to Oficina das Finanças in the digital/K-12 financial literacy space and increasingly overlaps with the company's AI-powered Meu Primeiro Cartão initiative.
• EVERFI: US-based K-12 and corporate financial education platform with digital courseware, teacher training, and employer financial wellness programs. Directly comparable to Oficina das Finanças across both the school curriculum and corporate Minha Sustentabilidade Financeira-style verticals.
• FoolProof Family: Provider of K-12 financial literacy curriculum with behavioral decision-making focus, used by schools and credit unions in North America. Comparable to Oficina das Finanças in targeting K-12 decision-frameworks with a behavioral (not just math) approach and a similar content + teacher training delivery model.
• Greenlight Financial Technology: US fintech offering a debit card and investment account for kids with family oversight and financial education content. Closely comparable to Oficina das Finanças' Meu Primeiro Cartão debit card linked to investments for children 10+, including family monitoring and AI-driven behavior support.

Broad incumbents

• Serasa Experian Educação Financeira: Brazilian credit bureau running educational programs and content around financial literacy for consumers and schools. Comparable to Oficina das Finanças as a Brazil-wide financial education brand, though operating as part of a much broader data and consumer credit portfolio rather than a specialized school curriculum.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@oficinadasfinancas
• Facebookfacebook.com/oficinadasfinancasnaescola
• LinkedInlinkedin.com/company/programaoficinadasfinancas
• Instagraminstagram.com/oficinadasfinancasnaescola

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oficina das Finanças Ltda